Trying to decide how many points to buy - can you help me understand transferring?

[Disneymooner07]

We are looking at buying a small contract via resale. I don't really know how frequently I'll be able to convince my husband to go in the long run, so I don't want to get too many points (just yet)! But I am worried that while our girls are still young, we may want more points to rent 1BR or 2BR villas to give us more space and separate sleeping rooms for naps, early bedtimes, etc.

I read on the boards that if you have a small contract, you can transfer points via the rent/trade board if you need more points for a trip. Does that mean that I would be able to use those transferred points at my home resort at the 11-month mark? Or do the transferred points retain their original resort association? And what happens to the UY of the transferred points? For example, if I buy a small 50-point contract at BCV with March UY and I want to take a trip in September, but I figure out that even after banking and borrowing, I need 100 more points to get the room I want at BCV, what do I do?

Thank you for any help!